The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$28,034
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,906
−HK$886/mo
Today · 4.125%
HK$29,792
baseline
▲ 0.50% · 4.625%
HK$31,605
+HK$1,813/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,584/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,188
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,024
−HK$849/mo
Today · 4.125%
HK$32,873
baseline
▲ 0.50% · 4.625%
HK$34,605
+HK$1,732/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,746/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,641
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,687
−HK$1,064/mo
Today · 4.125%
HK$35,751
baseline
▲ 0.50% · 4.625%
HK$37,926
+HK$2,175/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,502/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,425
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,429
−HK$1,018/mo
Today · 4.125%
HK$39,447
baseline
▲ 0.50% · 4.625%
HK$41,527
+HK$2,080/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,894/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,248
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,469
−HK$1,240/mo
Today · 4.125%
HK$41,709
baseline
▲ 0.50% · 4.625%
HK$44,247
+HK$2,538/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,418/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,663
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,834
−HK$1,188/mo
Today · 4.125%
HK$46,022
baseline
▲ 0.50% · 4.625%
HK$48,448
+HK$2,426/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,044/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,461
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,031
−HK$1,595/mo
Today · 4.125%
HK$53,626
baseline
▲ 0.50% · 4.625%
HK$56,889
+HK$3,263/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,252/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,138
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,643
−HK$1,528/mo
Today · 4.125%
HK$59,171
baseline
▲ 0.50% · 4.625%
HK$62,290
+HK$3,119/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,342/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,037 · Scale 2, in force from 26 Feb 2026)